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Counties With the Cheapest Homeowners Insurance in Texas (2026)

Menard has the lowest homeowners insurance of any county in Texas, at $1,956, followed by Yoakum and Anderson (data vintage 2022). The full ranking of the top 25 counties is below.

Data updated 2022 - Source: NAIC Homeowners Insurance Report

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Cheapest counties for homeowners insurance in Texas

Top 25 of 254 counties with data.

Ranked by homeowners insurance cost (NAIC Homeowners Insurance Report, 2022), lowest first.

Cheapest counties for homeowners insurance in Texas
RankCountyValue
1Menard$1,956
2Yoakum$1,956
3Anderson$1,956
4Camp$1,956
5Bastrop$1,956
6Comanche$1,956
7Navarro$1,956
8Dickens$1,956
9Panola$1,956
10Franklin$1,956
11Falls$1,956
12Hardeman$1,956
13San Saba$1,956
14Newton$1,956
15Hidalgo$1,956
16Brooks$1,956
17Caldwell$1,956
18Kendall$1,956
19Freestone$1,956
20Tarrant$1,956
21Starr$1,956
22Sabine$1,956
23Jeff Davis$1,956
24Mills$1,956
25Briscoe$1,956

How this ranking works

This page ranks Texas counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

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